I don't feel we were given any realistic advice, were weren't told what we could and couldn't include, so we basically got rid of everything, from gym membership (which I actually felt was necessary due to helping immensely with PNdepression) to all kids clubs. We have a totally unrealistic budget, ...

We were told we could vary our payments to our situation, that was at the start, we told them we were struggling around 6 months in, but they basically told us to get on with it. We asked at our yearly review to bring our payments down but that was nearly three months ago. If we can get out of our I...

Thanks so much, very helpful.

Thanks for getting back to us. Our new I&E works out that we only have £300 to put towards our IVA. I know this is considerably less than the £750 we currently pay but we are about to send our son to nursery and this works out at £210 a month. So the actual difference we will be asking to reduce the...

Hi My husband and I are currently in an IVA with Payplan. We started the IVA in June 2012. Please see the figures below outlining our debt taken from the paperwork we have. Total Debt = £85237 Total IVA = £45000 (based on 60 x £750 monthly payment) Total due to creditors £27960 We have so far made 1...

Hi there just need some information. If we were gifted a full and final settlement offer, would the equity in our home be affected or asked for (if there were any of course). Also could wear use the equity in our home for a full and final offer and if we did would that be that, no more payment etc? ...